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 Forward Thinking Financial Planning to Simplify Your Life

Call

978-395-5224


Email

kathi@spurrfinance.com

Newt@spurrfinance.com

About

Bringing Expertise and Perspective to the Complexity of Your Financial Life

Spurr Financial Investment Services, LLC is located in Danver's MA.   Father and Daughter team Newt and Kathi Spurr bring over 60 years of investment experience. They strive to see that clients are protected and prepared. The goal is to  maintain lifestyles for years to come.


NEWT SPURR, CPA®

Newt Spurr ran a successful CPA tax practice and Investment Advisory Business in town for 50 years.  Newt was one of the Founders and first Treasurer of the Reading-North Reading Chamber of Commerce,  past President and treasurer of the Reading Rotary Club and past Treasurer of the Unitarian Church in Rockport. He married his Reading High School sweetheart 57 years ago.  They both enjoy their home in Rockport. A few of his favorite things: golfing, spending time with the four grandkids, watching the Red Sox and traveling to London.


KATHI SPURR, CFP®

Kathi Spurr is a Certified Financial Planner (CFP®) and Insurance Agent.  Her financial career began in Colorado in 1990 with a company specializing in Socially Responsible Investing. She also spent 10 years as an Investment Advisor in the largest credit union in Colorado before heading back to MA in 2005. Kathi spends her free time golfing, boating, flying, volunteering and traveling. She is a proud member of the Reading Rotary and Reading-North Reading Chamber of Commerce.

Services & Fees

Advise and Educate

 Spurr Financial Investment Services, LLC, will help align your personal goals with your financial decisions. We serve as your guide and support system for a balanced financial life and lasting legacy.

How It Works:

  • In our first meeting we will get to know each other, evaluate your current financial status and discuss your financial goals.
  • Next we develop a plan that is customized to your goals and objectives.
  • We can help you implement the plans when you are ready.
  • Periodically, we will sit down to review your plan and make adjustments based on what is happening in your life.

 

Your Financial Future

Investment planning

  • Review of portfolio
  • Asset allocation
  • Time Horizon
  • Withdrawal strategies
  • Investment policy statement


Retirement Planning

  • Retirement goal setting
  • Social security and Medicare
  • IRA contributions and conversions
  • Employer sponsored plans and 401(k)'s
  • Annuities and pensions
  • RMD's and withdrawal strategies
  • Self employed retirement plans

Risk Management and insurance

  • Review of existing policies
  • Life insurance needs
  • Long term care insurance


Income tax planning

  • Review of cost-basis
  • Review realized gains
  • Carry forward losses
  • Tax loss harvesting
  • Deductions and credits
  • Potential Roth conversions
  • Health savings and flexible spending accounts

            

                  

                                                                           

                

                                                 

                  

                                                                                    

                

                                                                                                                                     

                  

                                                     

                       

                          

          

* No transaction fees will be assessed for Exchange -traded funds or domestic equity securities traded online. Other types of securities subject to fees.** The Custodian does not charge a custody fee, but fee may include [list applicable fees such as wire transfer fees, paper statement fee].Table of Fees for ServicesSpurr Financial Investment Services, LLC (CRD#285683) Effective Date: December 3, 2019Spurr Financial InvestmentServices, LLC(the “Advisor”) provides this Table of Fees for Services as a supplemental disclosure to its Form ADV Part 2A (“Disclosure Brochure”). Please reference Items 4 and 5 of the Disclosure Brochure, which contains important details about the Advisor’s services and fees. Fees are negotiable at the sole discretion of the Advisor. The fees below will only apply to you when you request the services listed.Fees Charged by AdvisorFee AmountFrequency Fee is ChargedServicesA percentage of assets under management.75% to 1.30%quarterly in  advance Portfolio management for individuals and/or small businessesHourly chargesUp to    $200Due upon completion of the agreed upon deliverable[s]Financial Planning ServicesSubscription feesn/an/an/aFixed fees$2,000 to $5,000At completion of job.Financial Planning ServicesCommissions n/an/an/aPerformance-based feesn/an/an/aOther:___n/an/an/aFees Charged by Third Parties Fee Amount Frequency Fee is Charged Services Independent Manager Fees n/an/an/aRobo-Advisor Fee n/an/an/aPlease talk to the Advisor about fees and costs applicable to youAdditional fees and costs to discuss with the AdvisorAdditional Fees/CostsYes/NoPaid ToSecurities TransactionFees *YesSchwabCommissions Non/aCustodian Fees**YesSchwabMark-upsNon/aMutual Fund/ETFFees and ExpensesYesSchwab

                




Socially Responsible Investing

Considering financial return and social good

 Environmental, Social and Governance(ESG) is any investment strategy which seeks to consider both financial return and the social good to bring about social change. It is referred to by many terms such as Socially Responsible Investing (SRI),  Community Investing, Ethical Investing, Green Investing, Impact Investing, Sustainable Investing, and Values-Based Investing. A TIAA survey of investors conducted in 2015 found that about one-third of investors say they currently own responsible investments and nearly 50% of those who don’t, plan to do so soon.

Sustainability and ethics

Environmental, Social and Governance (ESG) refers to the three main areas of concern that have developed as central factors in measuring the sustainability and ethical impact of an investment in a company or business. The goal is to view these criteria with an eye toward generating long-term competitive financial returns and positive societal impact.

It's personal

Anyone who has ever pondered the activities of companies they own through their stock portfolio, mutual fund, or pension plan, may find a corporate practice that they would rather not profit from. Depending on the individual investor, this may be animal testing, solar and wind energy, producing military weapons, poor environmental performance, GLBTQ rights, woman’s equality, religion or labor. This list is extensive and extremely personal. There is no perfect company. One company may have a large number of woman on the Board of Directors with a low score on environmental stewardship. Clients who feel strongly about the importance of woman in leadership position’s may purchase this investment while others may not.

Sound investments

Several research studies have demonstrated that companies with strong corporate social responsibility policies and practices are sound investments. Studies with such findings have come from Oxford University, Deutsche Asset & Wealth Management, Morgan Stanley Institute for Sustainable Investing, TIAA - CREF Asset Management and the United Nations Environment Programme Finance Initiative. In 2015 Deutsche Asset & Wealth Management and Hamburg University conducted a meta-analysis of over 2,000 empirical studies, making it the most comprehensive review of academic research on this topic. They found that the majority of studies show a positive correlation between ESG standards and corporate financial performance.

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Contact


Phone

978-395-5224 Kathi Spurr  

781-929-8140 Newt Spurr

 

Address

Spurr Financial
Investment Services, LLC 

173 Summer St Danver's MA 01923